{"id":39197,"date":"2026-08-12T13:10:53","date_gmt":"2026-08-12T08:10:53","guid":{"rendered":"https:\/\/dinor.uz\/?p=39197"},"modified":"2026-08-12T13:10:53","modified_gmt":"2026-08-12T08:10:53","slug":"kredit-reklamalari-va-shartnomalarida-qo%ca%bbshimcha-ogohlantirishlar-kiritilishi-mumkin","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=39197","title":{"rendered":"Kredit reklamalari va shartnomalarida qo\u02bbshimcha ogohlantirishlar kiritilishi mumkin"},"content":{"rendered":"<p>Markaziy bank kredit reklamalari va kredit shartnomalarida qarz oluvchilar uchun moliyaviy xatarlar haqidagi ogohlantirishlarni majburiy joylashtirishni taklif <a href=\"https:\/\/regulation.adliya.uz\/project\/11070\/34318?contentLang=uz\">qilmoqda<\/a>.<\/p>\n<p>Loyihaga ko\u02bbra, kredit reklamasida <b>\u201ckredit bo\u02bbyicha majburiyatlarni bajarmaslik moliyaviy xatarlarni yuzaga keltirishi mumkin\u201d<\/b> degan mazmundagi ogohlantirish bo\u02bblishi kerak.<\/p>\n<p>U reklama maydoni yoki vaqtining kamida <b>10 foizini<\/b> egallashi lozim.<\/p>\n<p>Kredit shartnomasida esa ogohlantirish uchun yanada katta joy ajratiladi \u2013 u shartnoma birinchi qismining asosiy yuzasini kamida <b>30 foizini<\/b> egallashi lozim.<\/p>\n<p>Ogohlantirishda kreditni o\u02bbz vaqtida to\u02bblamaslik qarz miqdorining oshishi, majburiy undiruv choralari, mol-mulkka undiruv qaratilishi, hisobvaraqlardagi mablag\u02bblarni xatlash hamda kredit tarixiga salbiy ta\u02bcsir qilishi mumkinligi ko\u02bbrsatiladi.<\/p>\n<p><b>Yana bir muhim taklif:<\/b> agar bank taklif etayotgan kredit mahsuloti iste\u02bcmolchini chalg\u02bbituvchi deb topilsa, Markaziy bank bankning ayrim moliyaviy operatsiyalarini yoki infratuzilmasini kengaytirishni <b>6 oygacha cheklashi yoki taqiqlashi mumkin<\/b>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank bu boradagi qaror loyihasini muhokamaga qo\u2018ydi. Unga ko\u2018ra, kredit shartnomasida ogohlantirish uchun yanada katta joy ajratiladi.<\/p>\n<p>U shartnoma birinchi qismining asosiy yuzasini kamida 30 foizini egallashi lozim.<\/p>\n","protected":false},"author":23,"featured_media":15146,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2026\/08\/6a7c2a8d18bcd.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":15146,"7B0ecgVieEAP":"Kredit reklamalari va shartnomalarida qo\u02bbshimcha ogohlantirishlar kiritilishi mumkin"},"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[63,2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/39197"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=39197"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/39197\/revisions"}],"predecessor-version":[{"id":39199,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/39197\/revisions\/39199"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/15146"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=39197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=39197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=39197"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=39197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}